Tulsa, OK · Cert 22065 · Grand Capital Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
100
Profitability
54
Liquidity
51
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tulsa, OK · Cert 22065 · Grand Capital Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 1.3% share · #19 of 59 inst. · $0.5B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.08% | 1.34% | 1.25% | 1.25% | 1.28% | 1.44% | 1.50% | +25 bps | |
| Return on Equity | 11.10% | 11.89% | 14.82% | 13.96% | 13.85% | 13.89% | 14.99% | 15.81% | +185 bps | |
| Net Interest Margin | 3.28% | 3.34% | 3.78% | 3.71% | 3.67% | 3.77% | 3.93% | 3.95% | +24 bps | |
| Efficiency Ratio | 62.64% | 61.00% | 55.85% | 57.60% | 57.85% | 57.82% | 53.98% | 53.05% | -454 bps | |
| Non-Interest Burden | 1.99% | 1.97% | 2.04% | 2.07% | 2.05% | 2.11% | 2.04% | 2.02% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 5.63% | 8.72% | 8.13% | 6.18% | 4.60% | 4.93% | 7.25% | -88 bps | |
| Loan Growth (YoY) | 8.48% | 8.65% | 8.18% | 3.60% | 3.59% | 4.80% | 6.30% | 10.27% | +667 bps | |
| Deposit Growth (YoY) | 4.68% | 5.74% | 9.20% | 8.64% | 6.31% | 2.16% | 0.83% | 5.09% | -355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.00% | 0.05% | 0.04% | 0.07% | 0.00% | 0.00% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.70% | 1.70% | 1.73% | 1.66% | 1.66% | 1.64% | 1.59% | -14 bps | |
| Allowance Coverage of NPLs | 46.3x | 19.5x | 396.0x | 38.4x | 38.2x | 24.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.23% | 10.20% | 10.27% | 10.40% | 10.27% | 10.42% | 10.81% | 10.33% | -6 bps | |
| Total Risk-Based Capital | 13.63% | 13.69% | 14.00% | 14.26% | 13.95% | 13.86% | 14.17% | 13.81% | -45 bps | |
| Equity / Assets | 9.17% | 9.08% | 8.96% | 8.87% | 9.30% | 9.68% | 9.57% | 9.28% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.35% | 93.43% | 89.50% | 86.90% | 89.99% | 95.84% | 94.36% | 91.18% | +428 bps | |
| Liquid Assets / Assets | 4.38% | 3.50% | 7.46% | 9.16% | 6.04% | 2.28% | 5.43% | 6.46% | -270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 459% | 469% | 459% | n/a | n/a | |
Tulsa, OK · Cert 22065 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Grand Capital Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.44%
Rank 9 of 18
Net Interest Margin
3.95%
Rank 13 of 18
Efficiency Ratio
53.05%
Rank 5 of 18
Equity / Assets
9.28%
Rank 14 of 18
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.94% | 1.44% | 1.74% | Beats 50% | 9 / 18 | ||
| Return on Equity | 15.49% | 9.63% | 12.74% | 15.04% | Beats 83% | 3 / 18 | ||
| Net Interest Margin | 3.95% | 3.75% | 4.31% | 4.83% | Beats 28% | 13 / 18 | ||
| Efficiency Ratio | 53.05% | 53.05% | 62.57% | 69.59% | Beats 78% | 5 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.41% | 0.86% | Beats 100% | 3 / 18 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 4 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.56% | 11.17% | 13.04% | 15.32% | Beats 39% | 11 / 18 | ||
| Total Risk-Based Capital Ratio | 13.81% | 11.17% | 13.81% | 15.32% | Beats 50% | 9 / 18 | ||
| Equity / Assets | 9.28% | 9.28% | 11.57% | 13.43% | Beats 22% | 14 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.18% | 72.39% | 85.72% | 91.52% | 67th pctl | 6 / 18 | ||
| Loans / Assets | 79.04% | 60.70% | 74.00% | 81.85% | 67th pctl | 6 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||